Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 11, 2020

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Company Details
Address: 1932 Wynnton Road
City: Columbus
State: GA
ZIP Code: 31999
Phone Number: 1-800-992-3522
Website: http://www.aflac.com/
Year Founded: 1955
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to remember...

  • Aflac doesn’t sell auto insurance, but some of its policy benefits may be helpful if you are injured in an accident
  • It is the largest provider of supplemental insurance in the nation
  • Aflac accident insurance and hospital indemnity are among the policies that may help pay excess costs for medical needs after a car accident

In today’s market, it can be difficult to determine which insurance companies sell what types of auto insurance coverage. Many vehicle owners want to know if the American Family Life Assurance Company, also known as Aflac, provides auto insurance. So, we’ve created this Aflac auto insurance review to tell you everything you need to know.

First off, let’s get one thing straight — does Aflact cover auto insurance? No, Aflac does not sell traditional auto insurance policies.

So, what do they sell at Aflac?

Even though there’s no such thing as Aflac car insurance, Aflac is the largest provider of supplemental insurance in the country. This guide will break down what that means and how it can be beneficial for insurance policyholders. We’ll go over Aflac’s history, policies, and claims process. We’ll also share how to get an auto insurance company’s online quote, specifically, Aflac.

Before long, you’ll know everything there is to know about this popular insurance provider.

If you want to start comparing auto insurance quotes now, you can enter your ZIP code into the quote box above.

Does Aflac have auto insurance?

No, Aflac does not sell traditional auto insurance policies. This is because Aflac mainly provides supplemental health insurance. This insurance is available to individuals, families, and businesses.

What is supplemental health insurance, you ask?

Supplemental health insurance is coverage you purchase in addition — as a supplement — to your primary health insurance policy. Supplemental insurance is a great option if your primary policy does not provide all the coverage you need.

So, what exactly does Aflac cover?

Here are the four main supplemental policies available through Aflac:

  • Accident insurance – Aflac’s accident insurance helps cover out-of-pocket medical payments your primary insurance does not cover if you’ve had an accident. This means Aflac helps with short-term disability.
  • Dental insurance – Though your primary dental insurance policy insures routine visits to the dentist, it may not cover special dental care like orthodontist appointments, wisdom teeth removal, and cosmetic procedures. Aflac’s supplemental dental insurance can help cover these costs.
  • Cancer insurance – Medical payments and everyday living expenses can build up if you need long-term medical care. Aflac’s cancer insurance can help cancer patients pay for deductibles, co-payments, and small expenses incurred during cancer treatment.
  • Critical illness insurance – Aflac’s critical illness insurance helps cover the cost of serious medical conditions like heart attacks and strokes. This policy can even cover living expenses and non-medical bills incurred while a patient is receiving care.

More and more Americans are investing in these types of policies, especially policies like Aflac group insurance. Here’s a look at the growing number of payments health and accident insurers have paid to policyholders in the past few years.

Incurred Losses for Accident and Health Insurance
YearInsurance Company Incurred Losses
2014$3,726,676
2015$3,990,585
2016$4,512,513
2017$4,649,220
2018$4,556,314
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Although Aflac does not sell auto insurance, Aflac health insurance sometimes covers medical bills related to automobile accidents in some cases. Curious how insurance claims for car accidents work? Aflac’s accident insurance, for example, can be useful for short- or long-term injuries that are caused by an automobile accident. Aflac and auto insurance companies’ coverage can sometimes be combined.

Next, let’s take a look at Aflac’s history.

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Does Aflac have agents?

Yes, Aflac has insurance agents across the country. Aflac agents can provide Aflac customer service. For example, agents can help you understand Aflac benefits, Aflac cancellation forms, and Aflac login information. To learn more about Aflac jobs and Aflac careers, check out this video of an Aflac agent sharing her work experience.

Unlike many of today’s insurance providers, Aflac fully integrates insurance agents into the policyholder’s experience. To obtain a quote from Aflac, for example, you must speak with an insurance agent. We’ll go over this process in more detail later on.

All you have to do to find a local Aflac agent is enter your ZIP code into the company’s Agent Locator tool. The Agent Locator is accessible on the company’s website.

How do I file a claim with Aflac?

The easiest way to file Aflac insurance claims is through Aflac SmartClaim. SmartClaim is an online application that expedites the claims process. SmartClaim is available on Aflac’s website and mobile app.

To submit a claim through SmartClaim, follow these steps:

  1. Register or log in to SmartClaim on Aflac’s website or mobile app. Make sure you are enrolled in SmartClaim’s Direct Deposit program.
  2. Fill out Aflac’s claims forms and submit all required documents.
  3. Submit your claim before 3 p.m. ET on a weekday. This will ensure that you receive your compensation as quickly as possible.

If you are unable to use SmartClaim, you can download claims forms through Aflac’s website and file your claim via fax or mail. Aflac’s fax number is 1-877-442-3522 and Aflac’s mailing address is 1932 Wynnton Road, Columbus, GA 31999. Since the policy only covers car accidents peripherally, there is no direct Aflac auto insurance phone number for claims.

How do I get a quote from Aflac?

Many people want to know: How much is Aflac insurance a month? What is the average cost of Aflac insurance? That depends on your individual circumstance. The best way to find out is to get an Aflac insurance quote. You can’t get an Aflac car insurance quote, of course, but you can consider policies that will supplement your car insurance.

There are two ways to obtain a quote from Aflac.

First, you can obtain an Aflac insurance estimate by filling out a contact form on Aflac’s website. Your contact form is sent to a local agent who will call you about your insurance options.

Aflac Get a Quote

Be aware that by submitting a contact form, you agree to receive auto-dialed calls, scheduling reminders, and texts from Aflac and its partners.

If you’d prefer to get an Aflac insurance quote through the customer service hotline, you can call the Aflac insurance phone number at 1-855-782-5850.

Who is eligible for Aflac insurance? Getting a quote from Aflac can help you find out if you’re eligible.

Now that you understand Aflac’s claim filing and quote process, you may be wondering: Is Aflac worth it? Reddit’s Aflac reviews have this to say:

“Aflac’s policies are legit, and at a great price, but they have to be a good fit for you and your lifestyle to be a good value.”

Now is the time to ask yourself: Is supplemental insurance useful coverage to add to my primary insurance policy? And, more importantly, is Aflac a good insurance company for me? Hopefully, this Aflac car insurance review has helped.

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Aflac History

Aflac was founded in 1955 by three brothers: John, Paul, and Bill Amos. At that time, the Amos brothers ran Aflac out of a six-room complex in Columbus, Georgia. With the help of 16 employees and 60 agents, they were able to secure 6,400 policyholders by the end of their first year.

Three years later, Aflac pioneered cancer insurance. Aflac also debuted a unique marketing system that focused on “cluster selling” and worksite marketing. This differentiated Aflac from most major companies of that era, which were chiefly using door-to-door strategies to market their policies.

By the 1970s, Aflac had expanded its insurance to 37 states and built an international branch in Japan.

Today, Aflac maintains a strong relationship with its Japanese division. The majority of Aflac’s pre-tax earnings come from Japan, and in 2011, Aflac was the first company to contribute more than $1 million to the Red Cross for tsunami relief there.

Aflac is famous for its Aflac Duck advertising campaign. In recent years, the Aflac Duck has been added to Aflac’s logo. Take a look at this quick Aflac insurance commercial, which premiered during the 2016 Grammy Awards.

So, what are some Aflac insurance reviews? In 2013, Aflac received the “Salute to Greatness” award from the Dr. Martin Luther King, Jr. Center in Atlanta, Georgia. That year, Aflac also appeared on Fortune Magazine’s list of The World’s Most Admired Companies for the 13th time.

Though Aflac is available nationwide, its plans and benefits vary by state.

New York, for example, does not allow stand-alone cancer insurance policies. This is because some government organizations are critical of this type of policy. In 1994, a study by the Federal General Accounting Office found that insurance companies that sold cancer insurance policies paid back as little as 35 percent of the premiums they received from policyholders.

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Where is Aflac located?

You may be wondering: How can I find supplemental Aflac car insurance near me? Again, Aflac doesn’t sell car insurance, but you can buy their supplement policies anywhere.

Aflac’s main headquarters remain in Columbus, Georgia. However, the company now has an additional 11 other headquarters locations across the United States.

Though Aflac is available nationwide, its plans and benefits vary by state. The easiest way to find Aflac representatives in your region is to enter your ZIP code into Aflac’s Agent Locator service.

Aflac Find an Agent

Aflac is also an insurance provider in Japan. Aflac Japan is the country’s oldest and biggest cancer-insurance provider. The company’s Japanese branch is run by Chief Operating Officer Masatoshi Koide.

With or without Aflac, you need auto insurance You can compare quotes for free by entering your ZIP code into the quote box below.

Frequently Asked Questions: Aflac Insurance

We want to make sure we answer all your concerns, so we have included some frequently asked questions below.

#1 – How long does it take Aflac to review a claim?

Aflac’s One Day Pay℠ program processes and approves claims the same day you submit them. This allows you to get paid in one day. If you don’t use One Day Pay℠, it will take Aflac longer to review your claim. For example, this can happen if you file a claim by fax or mail.

#2 – How does Aflac verify claims?

Aflac requires related documents to verify your claim. These documents can include receipts, bills, and certificates. If you have not provided the correct or required documents, Aflac will deem your claim incomplete. You will be notified within up to 10 days. This will lengthen the claim filing process.

#3 – What is Aflac’s hospital indemnity plan?

Aflac’s hospital indemnity plan is designed to cover the cost of a hospital visit after you hit your primary health insurance coverage limit. This plan can cover expenses like admissions fees and intensive care costs.

#4 – Do I need medical coverage on my auto insurance with Aflac?

No, you do not need medical coverage on your Aflac auto insurance because Aflac auto insurance does not exist. If you have questions about Aflac and car insurance call the phone number at the top of this page.